Your TPN Credit Report is an important tool in managing your finances. That is why our goal is to protect your personal information and use many safeguards to help ensure its security. It is also why we aim to maintain accurate information on your credit history.

If you have reason to believe there is inconsistent information on your TPN Credit Report, we want to know.

If you do not recognise information on your TPN Credit Report, or believe an item may be inaccurate, you have the right to log a dispute. (Only inaccurate information may be removed; information that is accurate will stay on your credit report.)

Our goal is to maintain accurate information on your TPN Credit Report. If you do not recognise information on your credit report, or believe an item may be inaccurate, it is your responsibility to inform us by logging a dispute. (Only inaccurate information may be removed, information that is accurate will stay on your credit report accordingly.)

To log a dispute about your TPN Credit Report:

1. Call us on 0861 876 000 to log your dispute. We will send you a dispute form to complete.
2. To protect your security, we must be sure of your identity. You must also provide a copy of your FICA (Financial Intelligence Centre Act) documentation. Your FICA documentation includes certified copies of your identity document book and any one of the following documents:
   
   • Electricity account less than 3 months old
   • Store account statement less than 3 months old
   • Lease agreement
   • Letter from a tribal chief or civic organisation
   • Letter from your parents if you are living with your parents
   • Letter from your employer
   • Income tax form less than 12 months old
   • All documents must include your current address.
3. Return the completed dispute form and the FICA documentation to the address in the instructions provided with the dispute form.

If you have a concern about information on your TPN Credit Report and log a dispute, we will investigate your dispute with the relevant credit/service providers.

Here is what we do in investigating your dispute:

1. TPN will initiate an investigation as soon as all your documentation is received to substantiate your dispute or query.
2. We contact the credit/service provider that reported the information and ask the credit/service provider to verify the information in question.
3. We document the outcome of the investigation and make any necessary changes to your TPN Credit Report.
4. Once the investigation has been completed, we notify you of the outcome of your dispute.
5. Investigations are typically concluded within 20 business days.

The National Credit Regulator (NCR) was established by the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with credit education, research, policy development, registration of industry participants, investigation of complaints and ensuring enforcement of the Act.

The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act.

To find out more about the NCR please visit their web site on www.ncr.org.za.